WTM Stock Analysis: Buy, Sell, or Hold?
WTM - White Mountains Insurance Group Ltd.
$2053.15
-22.84 (-1.10%)
▼
5d:
-2.8%
30d:
-3.13%
90d:
+3.2%
WAIT
LOW Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Nov 05, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: WTM shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: WTM shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$438.34
Based on -24.3% avg growth
INTRINSIC VALUE TODAY
$272.17
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 23.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WTM is currently trading at $2053.15, which is considered oversold relative to its 30-day fair value range of $2086.10 to $2140.71. The stock's valuation (Forward PE: 22.8) is in line with its historical norms (23.6). Remarkably, the market is currently pricing in an annual earnings decline of 1.2% over the next few years. This pessimistic expectation contrasts with the company's recent 68.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, WTM is showing sideways momentum. The price is currently testing key support at $2037.00. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 55/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. However, the stock is trading significantly above the average Wall Street target of $360.00. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, WTM is showing sideways momentum. The price is currently testing key support at $2037.00. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 55/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. However, the stock is trading significantly above the average Wall Street target of $360.00. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$2086.10 -
$2140.71
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
70.0%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BEARISH: Trading 82.5% above Wall St target ($360.00)
- WARNING: Composite score 52/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$2086.10 -
$2140.71
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$2037.00
Resistance Level
$2150.00
Current Trend
Sideways
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
22.81
Wall Street Target
$360.00
(-82.5%)
Revenue Growth (YoY)
22.5%
Earnings Growth (YoY)
68.8%
Profit Margin
37.7%
Valuation Discount vs History
-1.2% cheaper
PE vs Historical
22.8 vs 23.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.2%
(market-implied from PE analysis)
1-Year Target
$2028.51
(-1%)
2-Year Target
$2004.17
(-2%)
3-Year Target
$1980.12
(-4%)
3-Yr Target (if PE normalizes)
(PE: 23→24)
$2048.45
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.8, Growth: -52.6%)
$1496.75
(+-27%)
Base:
(SPY PE: 20.2, Growth: -52.6%)
$1323.35
(-36%)
Bear:
(PE: 17.1, Growth: -52.6%)
$1124.85
(-45%)
📈
Valuation based on Current Earnings
Trailing PE: 4.76 | Current EPS (TTM): $436.41
Bull Case
$1141.80
(-44%)
Analyst growth -50.0%, PE expands to 5.2
Base Case
$1038.00
(-49%)
Market implied -50.0%, PE stable at 4.8
Bear Case
$1411.68
(-31%)
Severe decline -20.0%, PE contracts to 4.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 22.8 to 23.6
Stabilization Target:
$2124.00
(+3.5%)
PE Expansion Potential:
+3.5%
Share & Embed Analysis
Last updated: September 13, 2026 5:53 AM ET
Data refreshes hourly during market hours. Next update: 6:53 AM
Data refreshes hourly during market hours. Next update: 6:53 AM
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Technical Signals Check
Is WTM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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